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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,942 | $81,358-64.4% | $155,556-81.4% | $80,959-64.3% |
| Participation rate | 45.2% | 66.3%-21.1pp | 78.2%-33.1pp | 67.7%-22.5pp |
| Annual return | 11.83% | 33.39%-21.6pp | 64.84%-53.0pp | 35.67%-23.8pp |
| Employer contribution / active EE | $38 | $3,106-98.8% | $4,675-99.2% | $2,757-98.6% |
| Participant deferral / active EE | $3,151 | $3,455-8.8% | $5,631-44.0% | $4,300-26.7% |
| Admin fee / account holder | $903 | $7,994-88.7% | $15,885-94.3% | $6,925-87.0% |